Think Different Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$141,525,076
Clients
45
91% high-net-worth
Advisors
1
of 2 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
45
HighAverage account size
$3,145,002
About
Think Different Financial Planning provides wealth management and financial planning services to individuals and high‑net‑worth clients, combining ongoing comprehensive planning with project‑based engagements. The firm manages client portfolios on a discretionary basis and implements recommendations through third‑party custodians and, when appropriate, third‑party money managers such as GeoWealth and index providers like SmartHarvest and Aperio.
The firm’s investment approach is explicitly passive and grounded in the Efficient Market Hypothesis and Modern Portfolio Theory, relying primarily on index mutual funds and exchange‑traded funds, diversification, periodic rebalancing, and tax‑loss harvesting. It does not recommend individual stocks or bonds for client portfolios and monitors third‑party managers’ holdings and strategies as part of its ongoing risk oversight.
What distinguishes the firm from many peers is its fee model: rather than charging percentage‑of‑assets fees, the brochure describes flat periodic advisory fees, a structure that is statistically less common among independent advisers. The firm also reports a substantial asset base relative to its client count and has recently applied for SEC registration as a larger advisory firm, signaling an uncommon growth or regulatory transition for a firm founded in 2021.
Client services
Financial planning
Portfolio management
Selection of other advisers
Expertise
Tax-loss harvesting
General estate planning guidance
Cash flow / budgeting
General retirement planning
Fee options
Annual flat fees: $22,000 for Wealth Management Services, $20,500 for Ongoing Comprehensive Financial Planning
$325 per hour for project-based financial planning
Account minimum: $250,000 (minimum for customized index portfolios built by SmartHarvest or Aperio) Minimum fee: Flat annual fees of $22,000 (Wealth Management) and $20,500 (Ongoing Comprehensive Financial Planning) Fee-only: Hourly financial planning services at $325 per hour (depending on complexity)
Main office location
Think Different Financial Planning
Menlo Park CA, United States
Number of offices
2
Most active in
Think Different Financial Planning has reported serving >5 clients in these states in the last 12 months.
California
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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